Sixth Commitment - Insurance Company

When considering life insurance, the financial strength of the insurer is a critical factor during the purchase process.

Use the following criteria to profile the company:

Claims-paying ability - The ability for an insurer to pay a claim.
Investment philosophy - A sound, well-balanced investment that maximizes return while minimizing risk.
Ratings - Rankings of insurers by third party firms based on specific criteria.
Financial Strength - The overall financials of a company.
Product Breadth - Life insurance product portfolio that meets a number of options with the ability to target specific needs.

Now that you have considered all six factors you should be ready to make an informed decision about your life insurance needs.

Disclaimer

Financial Concepts, Inc. and its representative, Patrick J. McNamara* is presently licensed to sell traditional life insurance in Michigan, Arizona, Colorado, Connecticut, Florida, Georgia, Illinois, Indiana, Minnesota, Montana, Nevada, New Hampshire, New Mexico, New York, North Carolina, Ohio, Pennsylvania, South Carolina, Tennessee, Texas, Utah, Virginia, Washington and California (Patrick J. McNamara, California license number OB8885). Insurance services are limited to residents of the above listed state. Residents of other states should consult with a local agent for insurance services.

Variable life and annuity products, as well as other securities products, may be sold in Michigan, Arizona, Colorado, Connecticut, Florida, Georgia, Illinois, Indiana, Minnesota, Montana, Nevada, New Hampshire, New Mexico, New York, North Carolina, Ohio, Pennsylvania, South Carolina, Texas, Utah, Virginia, Washington and California (Patrick J. McNamara, California license number OB8885). Residents of other states should consult with a local registered representative for securities products.

Proper state registration is mandatory prior to conducting business in any state.

Securities offered through M Holdings Securities, Inc, a Registered Broker/Dealer, Member FINRA / SIPC. Financial Concepts, Inc. is independently owned and operated. Financial Concepts, Inc. is a member of M Financial Group. Please go to mfin.com and click on "Disclosure Statement" at the bottom of the home page for further details regarding this relationship.